I have tried many differnt credit card from differnt providers but Salute visa is the worse I have found by far. It suprizes me the variations in credit limits, intrest rate, annual fee, other fees, reward programs, and my most important factor customer service between credit cards and there issuers. I have had some bad customer service before but it is difficult for me to imagine anyone worse than salute visa. I had a bad feeling when I signed up but I am kicking myself for not listenting to my gut and bailing out of the offer and soon as my intuition kicked in with concerns. I have had almost monthly battles with them and find them extremly difficult to deal with by the phone both for time consuming and for trying to communicate clearly and resolving differences or problems satisfactorily. Out of the blue they discontinued the account, about the same time I was about ready to quit them. Bottom line stay away far away.